- Centurion Member
- Posts: 3933
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
CarefulBuilder14 wrote:Is this a new-ish Discover? Or it survived the last mass extinction?
Not relevant to thread: I just noticed your gardening date. What is your intention? Or maybe even goal?
How many new accounts do you have in the last 12 months? 24 months? 36 months?
What is your AAoA? Do you have any negatives on your profiles?
No super-specific date or goal. I've got enough points to last a while. I'm primarily letting inquiries die and accounts age to reduce the risk of AA (because I like the rewards programs of what I have, not because I need the credit). I'm also pretty close to or at my limit in terms of long-term card complexity. I will chase bank/brokerage bonuses occasionally.
As far as any new cards, I'd be mostly interested in big travel bonuses, closing the cards after a year or two.
My history started in 2013, so 5/11/all 14 cards within 12/24/36 months. AAoA 1.3 years, in which Amex backdating plays no role.
No baddies, and no history other than CCs. When I buy a home I can put 20%+ down, so I'm not worried about not having installment history.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May